Bureaucracy, Germany – A bizarre twist in a water damage case is currently shaking up the entire insurance industry: A customer from Aachen reported his damage via email – but the insurance company rejected the report. The reason given: "According to section 8.3.4 of our terms and conditions, damage reports are only accepted via smoke signal or carrier pigeon with a signed beak."

“I thought we were living in 2025,” complains policyholder Tim H. (34). “But apparently my insurance company requires Apache smoke signal training just to get any help at all.”

The insurance company is citing a clause that apparently dates back to 1872 and had previously gone unnoticed – not even by its own employees. The sentence "Damage must be reported immediately in legible form" is said to be "open to interpretation" and leaves room for creative ways of translating it.

Risk-BOT has taken on the task.

The smart AI instance deciphered the complete contract terms in just 3.4 seconds and translated them as follows:
👉 "You may report the damage. But woe betide you if you do it digitally or outside of company holidays."

Risk-BOT then automatically created a sample letter in smoke signal font, printed it as a soot fax and sent it with a laser scent marker to the responsible authority – within the deadline of seven days, including holidays from 2020.

“Without Risk-BOT, I would have been lost,” Tim H. continued. “I honestly thought my home insurance would cover water damage. But it only covers water damage when the sun is at your back and you’re barefoot on the parquet floor.”

🔍 What you can learn from this case:

✅ Read your contract terms and conditions – or even better: let Risk-BOT do it for you.
✅ Keep track of deadlines – Risk-BOT will remind you in time.
✅ Formal requirements? Of course. But Risk-BOT tells you what really matters.
✅ Report the damage digitally – and use the AI ​​checklists so nothing gets forgotten.